Vietnam Technological and Commercial Joint Stock Bank (Techcombank)

Established in 1993, Techcombank is one of the largest JSBs in Vietnam, and one of the leading banks in Asia. It provides a broad range of banking products and services to more than 5.4 million customers in Vietnam with an extensive network of 315 branches across Vietnam.

TCB pursues a proven, differentiated customer-centric business model with demonstrated success in implementing their ecosystem approach of partnering with anchor corporate clients such as leading real estate developers, airlines, and utilities companies. The Bank’s unique value proposition, tailored products and market leading quality of service allows them to capture a high-quality retail customer base of affluent and mass-affluent Vietnamese which delivers the highest risk-adjusted returns.

Additionally, TCB’s focus in generating a high-quality fee income stream from its exclusive bancassurance partnership, cards franchise and transaction banking allows the Bank to achieve the highest non-interest income ratio among other JSBs in 2017 of 45%. The Bank is also at the forefront of leveraging technology as a key enabler to deliver industry-leading services to its customers, and has seen tremendous growth in e-banking usage over the past few years with e-banking transaction value increasing by 5.3 times in the last two years.